Energy Star Financing and Mortgages (Federal)

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Last modified on May 24, 2011.

Financial Incentive Program

Place United States

Name Energy Star Financing and Mortgages
Incentive Type Federal Loan Program
Applicable Sector Commercial, Residential, Schools, Local Government, Construction, Utility, State Government, Installer/Contractor
Eligible Technologies Geothermal Heat Pumps, Renewable techs if other requirements are met
Active Incentive No

Implementing Sector Federal
Energy Category Renewable Energy Incentive Programs, Energy Efficiency Incentive Programs

Program Administrator U.S. Environmental Protection Agency

Date added to DSIRE 2002-03-15
Last DSIRE Review 2006-03-22

References DSIRE[1]


An ENERGY STAR Mortgage combines the features of conventional or FHA energy-efficient mortgages with at least one additional feature designed to encourage borrowers to purchase ENERGY STAR qualified new homes. Common additional features include closing cost discounts, payments for home energy ratings, interest rate discounts, and fee waivers.

"Energy Efficient Mortgages" (or EEMs) make it easier for borrowers to qualify for loans to purchase homes with specific energy-efficiency improvements. Lenders can offer conventional EEMs, FHA-insured EEMs (or VA EEMs), ENERGY STAR Mortgages, or loans that combine the features of these different mortgages.

Conventional EEMs are offered by some lenders who sell their loans to Fannie Mae and Freddie Mac. These EEMs increase the purchasing power of the borrower by allowing the lender to increase the maximum Principal, Interest, Taxes and Insurance (PITI) amount by a dollar amount equal to the estimated energy savings. Loan officers are required to submit a HERS report or an Energy Addendum (Form 1004A or Form 70A) to verify the expected energy savings.

For more information on how a home qualifies for the ENERGY STAR label and for a list of lenders offering ENERGY STAR mortgages, visit

Incentive Contact

Contact Name Public Information - Energy Star
Department U.S. Environmental Protection Agency
Division Climate Protection Partnerships Division
Address 1200 Pennsylvania Avenue NW
Address 2 MS-6202J
Place Washington, District of Columbia
Zip/Postal Code 20460
Phone (888) 782-7937


  • Incentive and policy data are reviewed and approved by the N.C. Solar Center's DSIRE project staff.[1]


  1. 1.0 1.1  "Database of State Incentives for Renewables and Efficiency (DSIRE)"